This home down payment calculator lets you test different down payment amounts to see exactly how each one changes your monthly mortgage payment and total interest cost, including whether a smaller down payment would require private mortgage insurance (PMI).
Home Down Payment Calculator
Calculate required down payment, loan amount, monthly mortgage payments, and PMI impact.
Monthly Payment Breakdown
Detailed Loan & Cost Summary
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If you’re not sure how much you actually need, our guide on how much down payment you need for a house covers common requirements by loan type, from as low as 3% to the 20% threshold that avoids PMI. Several loan programs are designed for smaller down payments — see first-time homebuyer programs in the US for options worth researching. Once you’ve settled on an amount, our home deposit calculator can help you plan a savings target to reach it.